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UPI & payment apps · Alternatives

Best PhonePe alternatives in India (2026)

PhonePe is an upi & payment apps product from PhonePe, Bengaluru, priced at Free with a free plan. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 20 have a free plan, 19 are built in India.

PhonePe review

Quick answer

The closest alternatives to PhonePe are Paytm (Free), CRED Pay (Free), Freecharge (Free), Airtel Thanks (Free) and MyJio (Free). Paytm is the top-ranked option with a free plan.

PhonePe alternatives compared

Ranked by how closely each product matches PhonePe's category, pricing model, platforms and business size, then by rating. Prices exclude GST.

#SoftwareStarting priceFree planPlatformsMade in IndiaRatingCompare
—PhonePe logoPhonePe (current)FreeYesWeb, Android, iOSYes4.6/5—
1Paytm logoPaytmFreeYesWeb, Android, iOSYes4.6/5vs PhonePe
2CRED Pay logoCRED PayFreeYesWeb, Android, iOSYes4.5/5vs PhonePe
3Freecharge logoFreechargeFreeYesWeb, Android, iOSYes4.6/5vs PhonePe
4Airtel Thanks logoAirtel ThanksFreeYesWeb, Android, iOSYes4.5/5vs PhonePe
5MyJio logoMyJioFreeYesWeb, Android, iOSYes4.5/5vs PhonePe
6Vi App logoVi AppFreeYesWeb, Android, iOSYes4.5/5
7Flipkart UPI logoFlipkart UPIFreeYesWeb, Android, iOSYes4.5/5
8Navi UPI logoNavi UPIFreeYesWeb, Android, iOSYes4.4/5
9Slice UPI logoSlice UPIFreeYesWeb, Android, iOSYes4.4/5
10super.money logosuper.moneyFreeYesWeb, Android, iOSYes4.3/5
11Fampay logoFampayFreeYesWeb, Android, iOSYes4.4/5
12Paytm for Business logoPaytm for BusinessFreeYesWeb, Android, iOSYes4.4/5
13Junio logoJunioFreeYesWeb, Android, iOSYes4.3/5
14BharatPe for Merchants logoBharatPe for MerchantsFreeYesWeb, Android, iOSYes4.3/5
15Kiwi logoKiwiFreeYesWeb, Android, iOSYes4.3/5
16CheQ logoCheQFreeYesWeb, Android, iOSYes4.3/5
17Google Pay logoGoogle PayFreeYesWeb, Android, iOSNo4.4/5
18PayNearby logoPayNearbyFreeYesWeb, Android, iOSYes4.3/5
19RuPay logoRuPayFreeYesWeb, Android, iOSYes4.3/5
20Spice Money logoSpice MoneyFreeYesWeb, Android, iOSYes4.3/5

Top 10 PhonePe alternatives in detail

PhonePe alternatives by what you need

Free PhonePe alternatives

Indian alternatives to PhonePe

How to choose a PhonePe alternative

  • For merchants, compare settlement time and soundbox cost.
  • Check business-account features such as staff access and reports.
  • Consumers should keep two apps in case one bank server is down.

PhonePe alternatives — FAQs

What is the best alternative to PhonePe in 2026?+

The closest matches to PhonePe on App Advisor are Paytm (Free), CRED Pay (Free), Freecharge (Free). They are ranked by how closely their category, pricing model, platforms and target business size match PhonePe, then by rating. The best choice depends on your team size and budget.

Is there a free alternative to PhonePe?+

Yes. 20 of the 20 alternatives listed have a free plan or are free: Paytm (Free), CRED Pay (Free), Freecharge (Free). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.

Is there an Indian alternative to PhonePe?+

Yes. 19 alternatives are built in India, including Paytm (Free), CRED Pay (Free), Freecharge (Free). Indian products usually handle GST, TDS and UPI natively and bill in rupees.

PhonePe vs Paytm: which is better?+

Paytm is the closest match to PhonePe in our catalogue. Compare them side by side before you book a demo.

How were these PhonePe alternatives chosen?+

Every product listed sits in upi & payment apps or a category PhonePe also covers, and PhonePe's own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.

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Related alternatives

Paytm alternativesCRED Pay alternativesFreecharge alternativesAirtel Thanks alternativesMyJio alternativesVi App alternativesFlipkart UPI alternativesNavi UPI alternativesSlice UPI alternativessuper.money alternativesFampay alternativesPaytm for Business alternativesAll upi & payment apps alternativesBrowse all alternatives